| Value | What It Means | How We Live It | 
|---|---|---|
| Integrity | Honest, transparent dealings | No hidden fees. Plain-language contracts. | 
| Inclusion | Serving all incomes and backgrounds | Special programs for youth, women, and informal workers. | 
| Innovation | Smart solutions for real problems | Mobile money, Susu hybrids, and quick-loan tech. | 
| Impact | Tangible community betterment | Track every cedi reinvested locally. | 
